Question: Why pay bank fees?

The news on Thursday that Bank of America is imposing a $5 monthly fee on people who have the nerve to use their debit card to buy things probably should not have come as much of a shock.
Wells Fargo, the other giant coast-to-coast bank, had already revealed its plans to test a $3 fee in the wake of new federal rules that made the cards less profitable for many banks.
Bank of America probably has bigger problems than any of its competitors. So it stands to reason that it would make a bolder move. After all, it is dealing with a pile of troubled mortgages, legal fallout from the sales of bonds made from those loans and questions about how it serviced its home mortgages.